What is ACA and when can I enroll

ACA Marketplace plans are health care plans that people buy on their own.  You could qualify for financial subsidies that lower your premiums when you enroll in an ACA Marketplace coverage.  

Open Enrollment starts Nov.1, 2025, and ends Jan 15, 2025

Typically have the lowest monthly premium, but the highest out-of-pocket costs for care. These plans are ideal for individuals and families who are generally healthy and don't anticipate needing many medical services throughout the year. Bronze metal insurance plans are required to cover essential health benefits, such as preventive care services like check-ups and prescription drugs. You will be responsible for up to 40% of covered medical expenses.

Offers a balance between monthly premium and out-of-pocket costs for care. Silver plans are a popular choice for many individuals and families, because they provide a higher percentage of cost-sharing with the insurer.

Silver plans are the only metal tier that offer access to cost-sharing reductions (CSRs) in addition to premium tax subsidies. If you qualify, CSRs help lower your out-of-pocket costs for care.

Have a higher monthly premium compared to Silver plans, but lower out-of-pocket costs for care. Gold plans are ideal for individuals and families needing frequent medical services and want their insurer to share more in the cost for care.

You will be responsible for up to 20% of covered medical expenses. 

Plans have the highest monthly premium, but the lowest out-of-pocket costs. These plans are best for those individuals and families who require ongoing medical care and want more predictable out-of-pocket costs.

You will only be responsible for up to 10% of covered medical expenses.  Low deductible plans with flat copays for most services. You will know what you will pay before you see the doctor. It's a good fit if you are willing to pay a higher premium to lower your costs when you get care.

 Dental plans include coverage for preventive care like routine exams, cleanings, and X-rays. Some plans require a copay for preventive services while others cover those services 100% with no copay. It depends on the plan you choose, but preventive services are usually covered. Many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns, and more. ameritas private dental insurance plans.

 Vision insurance works like traditional health insurance. Depending on how much coverage the plan offers, you may have to pay a co-pay to get a comprehensive eye exam or the insurance company may pay for the entire exam if you go to an optometrist in the insurance company’s network.